re: How often do you pay your CC balance?

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I also keep an excel file in which I track every single transaction I make, daily changes to brokerage accounts, etc. It takes some work, but I enjoy it, and have found that I've made bigger strides in my net worth since doing all this than before when I was just winging it.

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I keep a file, as well. We have a small business, and it's part of the normal record keeping for us. I also can trend and forecast what we spend over time a little easier with the data. Since it's multiple CCs with certain spend on each, you can tell which category is spending high. I did this before we had a business, as I used to do MS for travel. Now, it's just a leftover system that works very well for us. We also pay down twice a month because things in life come up that can push a single day out a few days and cause an issue (don't ask me how I know).